Surprising Things Your Home Insurance Covers

What You Didn’t Know Your Homeowners Insurance Covers 

Many homeowners don’t understand what their homeowners insurance in Reading, PA covers and excludes. While we all have a general idea of what it includes, for example the house and property, there are some surprising home insurance coverages that policyholders are not aware of. To avoid making costly assumptions, it’s a good idea to know what’s covered in your policy! While each policy will differ from homeowner to homeowner and state to state, check out these surprising coverages.

Spoiled Food

If your fridge or freezer stops working due to a power outage, your homeowners insurance can cover the loss of spoiled food.


A gravestone can be classed as personal property. Therefore, if a grave marker of a loved one is damaged, the insurance company will pay for repairs up to the policy limits.

Dog Bites

If your dog bites someone and causes injury, most policies will cover that person’s medical expenses, even if the bite didn’t occur on your property. Many policies also cover medical expenses for other injuries in which the policyholder is at fault, and will pay for legal expenses if you are sued to this incident.

Student Possessions

Under most policies, the “insured” includes anyone in your household as well as anyone under 24 who is attending college full-time and is living in a dorm. If your child’s belongings are damaged or stolen while at college, insurance can step in to cover the costs, up to the limits. If your college kid is living off campus, they may not be covered and will need renter’s insurance/

Falling Objects

Damage caused by falling objects, such as defunct satellites, is also covered under standard home insurance policies. The coverage includes damage to the property as well as belongings within the home.

Now that you know what your homeowners insurance can cover, be sure that you know your policy’s exclusions! Visit Insurance Offices Ltd. to get started on the right home insurance policy in Reading, Pennsylvania today.



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